<\/p>\n\n\n\n
If you are an investor considering acquiring a property, refurbishing a building or accessing liquidity without unwinding your portfolio, there is a solution that combines profitability, tax efficiency and flexibility<\/strong>: the Lombard loan<\/strong>.<\/p>\n\n\n\n This financial product, although historically reserved for high-net-worth individuals, is increasingly accessible to those with funds, shares or ETFs portfolios from \u20ac5,000. It originated in the Lombardy region (Italy)<\/strong>, where in the sixteenth century merchants obtained loans using their assets as collateral, without the need to sell them. Hence its name.<\/p>\n\n\n\n A Lombard loan is a financing formula that allows you to obtain liquidity by pledging your investments<\/strong>. That is, you hand over your assets as temporary collateral, without losing ownership or having to sell them.<\/p>\n\n\n\n \ud83d\udccc It involves 'pledg[ing]' your investments, or more clearly, 'mortgag[ing]' your funds without selling them.<\/em><\/p>\n\n\n\n The assets remain as collateral and you receive a percentage of their value in loan form. Meanwhile, your money remains invested and generates returns<\/strong>.<\/p>\n\n\n\n 1. The client provides a portfolio of financial assets: funds, ETFs, shares\u2026<\/p>\n\n\n\n 2. The financial institution assesses their value and offers a loan which can reach up to 95%<\/strong> in some cases.<\/p>\n\n\n\n 3. The money is transferred efficiently, usually without notarial intervention.<\/p>\n\n\n\n 4. You may choose an amortisation system with a grace period<\/strong>, meaning you pay only interest for a time and repay the capital at the loan\u2019s end.<\/p>\n\n\n\n 5. This formula is especially useful if you buy to resell: you use a low payment and settle all upon selling the property.<\/p>\n\n\n\n \ud83d\udcc8 Amounts<\/strong>: from \u20ac5,000 up to \u20ac2,000,000 Total financing (beyond 100%)<\/strong><\/p>\n\n\n\n A mortgage for investors hardly exceeds 70% financing. With a Lombard loan you can cover 100% of the property's value<\/strong>, and even add expenses, renovations or additional liquidity<\/strong>.<\/p>\n\n\n\n You keep your investment<\/strong><\/p>\n\n\n\n You do not need to sell your fund, therefore:<\/p>\n\n\n\n \u2022 You continue generating returns with your portfolio.<\/p>\n\n\n\n \u2022 You avoid capital gains taxation.<\/p>\n\n\n\n \u2022 You preserve your financial strategy intact.<\/p>\n\n\n\n Tax-deductible and fiscally efficient expense<\/strong><\/p>\n\n\n\n The interest on a Lombard loan can be deductible on your personal income tax (IRPF)<\/strong> if the purchase is for rental purposes, which further enhances its profitability.<\/p>\n\n\n\n More profitable than buying outright<\/strong><\/p>\n\n\n\n Let's see it with a real example:<\/p>\n\n\n\n Imagine you have an investment fund of 200.000 \u20ac<\/strong> that generates an annual return of 7%<\/strong> (\u20ac14,000 per year). \u2022 If you buy outright: you use \u20ac100,000 from the fund \u2192 You have \u20ac100,000 left which earns \u20ac7,000 \u2192 Total annual gain: 13.000 \u20ac<\/strong><\/p>\n\n\n\n \u2022 If you use a Lombard loan at 3%<\/strong>, you don't touch your fund (continue earning \u20ac14,000), pay \u20ac3,000 interest and receive \u20ac6,000 rental income \u2192 Total gain: 17.000 \u20ac<\/strong><\/p>\n\n\n\n \ud83d\udfe2 Result<\/strong>: you have earned a <\/strong>30,7<\/strong>% more<\/strong> than buying outright, and without selling your investments. This can be even higher if you consider tax benefits.<\/p>\n\n\n\n \ud83d\udcd3<\/strong> No linked products or commitments<\/strong><\/p>\n\n\n\n Unlike a mortgage, you are not obliged to:<\/p>\n\n\n\n \u2022 Take out life, home or payment protection insurance.<\/p>\n\n\n\n \u2022 Direct salary payments or use credit cards.<\/p>\n\n\n\n \u2022 Accept bonuses that increase the product cost if not met.<\/p>\n\n\n\n \u2022 A more flexible risk analysis: fewer personal requirements such as economic ratios or job stability.<\/p>\n\n\n\n Fast, flexible and without bureaucracy<\/strong><\/p>\n\n\n\n \u2022 No valuation required.<\/p>\n\n\n\n \u2022 No notary required (in most cases).<\/p>\n\n\n\n \u2022 You have the capital available in a few days<\/strong>.<\/p>\n\n\n\n \u2022 It does not affect the property registry.<\/p>\n\n\n\n \u2022 If the value of your investments falls, the lender may ask you to extend the collateral or repay part of the loan.<\/p>\n\n\n\n \u2022 If you do not repay the loan, they could execute the secured assets.<\/p>\n\n\n\n \ud83d\udca1 But don't worry: at Hipotea we analyse your case in detail and advise you personally<\/strong> so that you know if this option is right for you, or if it is better to opt for another solution.<\/p>\n\n\n\n \u2022 When you want to invest in property without selling your portfolio<\/strong>.<\/p>\n\n\n\n \u2022 If you buy for rental and seek to optimise your tax situation<\/strong>.<\/p>\n\n\n\n \u2022 When you need quick liquidity without affecting your financial strategy<\/strong>.<\/p>\n\n\n\n \u2022 If you wish to renovate or improve a property without mortgaging it<\/strong>.<\/p>\n\n\n\n \u2022 When you seek an alternative more profitable than paying outright<\/strong>.<\/p>\n\n\n\n \u2022 If you value freedom, flexibility and profitability<\/strong>, with no strings attached.<\/p>\n\n\n\n At Hipotea<\/strong> we work with the main Lombard loan products on the market and have an expert team that:<\/p>\n\n\n\n If you are thinking of buying a property as an investment and do not want to mortgage your property or sell your funds, contact us.<\/p>\n\n\n\n <\/p>","protected":false},"excerpt":{"rendered":" Si eres inversor y est\u00e1s pensando en adquirir una vivienda, reformar un inmueble o acceder a liquidez sin deshacer tu cartera, existe una soluci\u00f3n que combina rentabilidad, eficiencia fiscal y flexibilidad: el pr\u00e9stamo lombardo. Este producto financiero, aunque hist\u00f3ricamente reservado a grandes patrimonios, hoy es cada vez m\u00e1s accesible para quienes cuentan con una cartera de fondos, acciones o ETFs desde 5.000 \u20ac. Su origen se remonta a la regi\u00f3n de Lombard\u00eda (Italia), donde en el siglo XVI los comerciantes obten\u00edan pr\u00e9stamos utilizando sus activos como garant\u00eda, sin necesidad de venderlos. De ah\u00ed su nombre. \u00bfQu\u00e9 es un pr\u00e9stamo lombardo? Un pr\u00e9stamo lombardo es una f\u00f3rmula de financiaci\u00f3n que te permite obtener liquidez pignorando tus inversiones. Es decir, entregas tus activos como garant\u00eda temporal, sin perder la titularidad ni tener que venderlos. \ud83d\udccc Se trata de \u201cpignorar\u201d tus inversiones, o dicho de forma m\u00e1s clara, \u201chipotecar tus fondos\u201d sin venderlos. Los activos quedan en garant\u00eda y t\u00fa recibes un porcentaje de su valor en forma de pr\u00e9stamo. Mientras tanto, tu dinero sigue invertido y generando rentabilidad. \u00bfC\u00f3mo funciona? 1. El cliente aporta una cartera de activos financieros: fondos, ETFs, acciones… 2. La entidad financiera eval\u00faa su valor y ofrece un pr\u00e9stamo que puede llegar al 95% en algunos casos. 3. El dinero se transfiere de forma \u00e1gil, normalmente sin intervenci\u00f3n notarial. 4. Puedes optar por un sistema de amortizaci\u00f3n con carencia, es decir, pagar solo intereses durante un tiempo y abonar el capital al final del pr\u00e9stamo. 5. Esta f\u00f3rmula es especialmente \u00fatil si compras para revender: usas una cuota baja y cancelas todo al vender la propiedad. \ud83d\udcc8 Importes: desde 5.000 \u20ac hasta 2.000.000 \u20ac\ud83d\uddd3 Plazos: desde 6 meses hasta 10 a\u00f1os Principales ventajas para inversores Financiaci\u00f3n total (m\u00e1s all\u00e1 del 100%) Una hipoteca para inversores dif\u00edcilmente supera el 70% de financiaci\u00f3n. Con un pr\u00e9stamo lombardo puedes cubrir el 100% del valor de la vivienda, e incluso a\u00f1adir gastos, reformas o liquidez adicional. Mantienes tu inversi\u00f3n No necesitas vender tu fondo, por tanto: \u2022 Sigues generando rentabilidad con tu cartera. \u2022 Evitas tributar por plusval\u00edas. \u2022 Conservas tu estrategia financiera intacta. Gasto deducible y fiscalmente eficiente Los intereses del pr\u00e9stamo lombardo pueden ser deducibles en el IRPF si la compra es para alquiler, lo que mejora todav\u00eda m\u00e1s su rentabilidad. M\u00e1s rentable que comprar al contado Ve\u00e1moslo con un ejemplo real: Imagina que dispones de un fondo de inversi\u00f3n de 200.000 \u20ac que genera una rentabilidad anual del 7% (14.000\u202f\u20ac al a\u00f1o).Quieres comprar una vivienda de 100.000 \u20ac que planeas alquilar por un 6% anual(6.000\u202f\u20ac). \u2022 Si compras al contado: usas 100.000 \u20ac del fondo \u2192 Te quedan 100.000 \u20ac que rentan 7.000 \u20ac \u2192 Ganancia total anual: 13.000 \u20ac \u2022 Si usas un pr\u00e9stamo lombardo al 3%, no tocas tu fondo (sigues ganando 14.000 \u20ac), pagas 3.000 \u20ac de intereses y obtienes 6.000 \u20ac del alquiler \u2192 Ganancia total: 17.000 \u20ac \ud83d\udfe2 Resultado: has ganado un 30,7% m\u00e1s que comprando al contado, y sin vender tus inversiones. Y a\u00fan puede ser mayor si consideras los beneficios fiscales. \ud83d\udcd3 Sin productos vinculados ni ataduras A diferencia de una hipoteca, no est\u00e1s obligado a: \u2022 Contratar seguros de vida, hogar o protecci\u00f3n de pagos. \u2022 Domiciliar n\u00f3mina o usar tarjetas. \u2022 Aceptar bonificaciones que encarecen el producto si no las cumples. \u2022 Un an\u00e1lisis de riesgos m\u00e1s flexible: menos exigencias personales como ratios econ\u00f3micos o estabilidad laboral. R\u00e1pido, flexible y sin burocracia \u2022 No necesitas tasaci\u00f3n. \u2022 No requiere notar\u00eda (en la mayor\u00eda de los casos). \u2022 Dispones del capital en pocos d\u00edas. \u2022 No afecta al registro de la propiedad. \u00bfQu\u00e9 riesgos conlleva? \u2022 Si el valor de tus inversiones baja, la entidad puede pedirte que ampl\u00edes la garant\u00eda o amortices parte del pr\u00e9stamo. \u2022 Si no devuelves el pr\u00e9stamo, podr\u00edan ejecutar los activos en garant\u00eda. \ud83d\udca1 Pero no te preocupes: en Hipotea analizamos tu caso al detalle y te asesoramos de forma personalizada para que sepas si esta opci\u00f3n es adecuada para ti, o si conviene optar por otra soluci\u00f3n. \u00bfCu\u00e1ndo es recomendable usar un pr\u00e9stamo lombardo? \u2022 Cuando quieres invertir en inmobiliario sin vender tu cartera. \u2022 Si compras para alquilar y buscas optimizar tu fiscalidad. \u2022 Cuando necesitas liquidez r\u00e1pida sin afectar tu estrategia financiera. \u2022 Si deseas reformar o mejorar una propiedad sin hipotecarla. \u2022 Cuando buscas una alternativa m\u00e1s rentable que el pago al contado. \u2022 Si valoras libertad, flexibilidad y rentabilidad, sin ataduras. En Hipotea, lo analizamos todo por ti En Hipotea trabajamos con los principales productos del mercado en pr\u00e9stamos lombardos y contamos con un equipo experto que: Si est\u00e1s pensando en comprar una vivienda como inversi\u00f3n y no quieres hipotecar tu propiedad ni vender tus fondos, cont\u00e1ctanos. En Hipotea te ayudamos a financiar con inteligencia y mantener tu patrimonio creciendo.<\/p>","protected":false},"author":3,"featured_media":10464,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"page_builder":"","iawp_total_views":696,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/posts\/10462","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/comments?post=10462"}],"version-history":[{"count":4,"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/posts\/10462\/revisions"}],"predecessor-version":[{"id":10471,"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/posts\/10462\/revisions\/10471"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/media\/10464"}],"wp:attachment":[{"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/media?parent=10462"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/categories?post=10462"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hipotea.com\/en\/wp-json\/wp\/v2\/tags?post=10462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}What is a Lombard loan?<\/strong><\/h2>\n\n\n\n
How does it work?<\/strong><\/h3>\n\n\n\n
\ud83d\uddd3 Terms<\/strong>: from 6 months up to 10 years<\/p>\n\n\n\nMain advantages for investors<\/strong><\/h3>\n\n\n\n
You want to buy a property costing 100.000 \u20ac<\/strong> which you plan to rent out for a 6% annual return<\/strong>(\u20ac6,000).<\/p>\n\n\n\nWhat risks does it involve?<\/strong><\/h3>\n\n\n\n
When is it advisable to use a Lombard loan?<\/strong><\/h2>\n\n\n\n
At Hipotea, we analyse everything for you<\/strong><\/h2>\n\n\n\n
\n
At Hipotea we help you finance intelligently and keep your wealth growing.<\/strong><\/p>\n\n\n\n